[Thor]

At level 0 you get between 5 and 15 points per study, then the minimum and maximum increases by 1 for every rank you gain. If you're level 4, then you should get between 9 and 19 points per hour studied.

And yes, if your rank is the same as your intel, you wont be able to test, the option will be there but I think you will get a message stating you can't until you get higher intel.